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The glow of my laptop screen was the only light in the apartment when the email arrived. A client I'd chased for months suddenly wanted my design services – but only if I signed their complex contract within two hours. My palms went slick against the keyboard. Last time I'd skipped proper paperwork for "just one quick project," I'd spent months chasing unpaid invoices. That familiar dread coiled in my stomach as I frantically searched lawyer websites. $400 consultation fees flashed before me lik

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